We are a Top 10 provider of medical stop loss coverage in the United States on in-force premiums.

Our Employee Benefits segment provides group insurance products to mid-size and large corporate employers and professional associations. In addition, our Employee Benefits segment serves the voluntary worksite market by providing individual and payroll-deduction products to employees of our clients. Our Employee Benefits segment is among the largest writers of medical stop loss coverage.

4Q’23 Health Solutions Adjusted Operating Earnings before Income Taxes, TTM of $341mm1,2

1. Note: Pre-tax. Excludes Adjusted Operating Earnings attributable to Corporate. Adjusted Operating Earnings is a non-GAAP financial measure. Information regarding this non-GAAP financial measure, and a reconciliation to most comparable U.S. GAAP measure, is provided in the “Reconciliations” section of the Quarterly Investor Supplement.
2. Excludes notable items; excess alts/prepays, COVID impacts in 4Q'21 and 1Q'22, reserve release in 3Q'22

Performance dashboard:

Graph of Health Solutions Adjusted Pre-tax Operating Earnings
Graph of Total Aggregate Loss Ratio

1. Excludes notable items; excess alts/prepays and reserve release.


Graph of Annualized In-Force Premiums


  • #7 largest Stop Loss provider1

  • #3 non-integrated third party stop-loss carrier1

  • Top 10 and fast growing Voluntary Provider2


  • 1. Per NAIC insurer financial statement filing 2018

  • 2. Ranked within top 10 in Accidents, Critical Illness, and Hospital Indemnity categories; LIMRA’s U.S. Worksite / Voluntary In Force 2017 Annual Report